X FINANCIAL-ADR (XYF) Fundamental Analysis & Valuation

NYSE:XYF • US98372W2026

Current stock price

4.43 USD
-0.39 (-8.09%)
Last:

This XYF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. XYF Profitability Analysis

1.1 Basic Checks

  • XYF had positive earnings in the past year.
  • Of the past 5 years XYF 4 years were profitable.
  • XYF had a positive operating cash flow in 4 of the past 5 years.
XYF Yearly Net Income VS EBIT VS OCF VS FCFXYF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

  • XYF has a Return On Assets of 12.20%. This is amongst the best in the industry. XYF outperforms 92.59% of its industry peers.
  • With a decent Return On Equity value of 22.61%, XYF is doing good in the industry, outperforming 72.22% of the companies in the same industry.
  • XYF has a Return On Invested Capital of 29.77%. This is amongst the best in the industry. XYF outperforms 92.59% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for XYF is above the industry average of 12.41%.
  • The 3 year average ROIC (16.93%) for XYF is below the current ROIC(29.77%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 12.2%
ROE 22.61%
ROIC 29.77%
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
XYF Yearly ROA, ROE, ROICXYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

  • XYF has a Profit Margin of 22.75%. This is amongst the best in the industry. XYF outperforms 81.48% of its industry peers.
  • XYF's Profit Margin has been stable in the last couple of years.
  • XYF has a Operating Margin of 58.72%. This is amongst the best in the industry. XYF outperforms 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of XYF has grown nicely.
  • XYF's Gross Margin of 75.21% is fine compared to the rest of the industry. XYF outperforms 66.67% of its industry peers.
  • XYF's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 58.72%
PM (TTM) 22.75%
GM 75.21%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
XYF Yearly Profit, Operating, Gross MarginsXYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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5

2. XYF Health Analysis

2.1 Basic Checks

  • XYF has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • Compared to 1 year ago, XYF has an improved debt to assets ratio.
XYF Yearly Shares OutstandingXYF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
XYF Yearly Total Debt VS Total AssetsXYF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • An Altman-Z score of 2.33 indicates that XYF is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • XYF has a Altman-Z score of 2.33. This is amongst the best in the industry. XYF outperforms 81.48% of its industry peers.
  • A Debt/Equity ratio of 0.50 indicates that XYF is somewhat dependend on debt financing.
  • XYF has a Debt to Equity ratio of 0.50. This is in the better half of the industry: XYF outperforms 74.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF N/A
Altman-Z 2.33
ROIC/WACC22.55
WACC1.32%
XYF Yearly LT Debt VS Equity VS FCFXYF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

  • A Current Ratio of 1.47 indicates that XYF should not have too much problems paying its short term obligations.
  • The Current ratio of XYF (1.47) is better than 61.11% of its industry peers.
  • A Quick Ratio of 1.47 indicates that XYF should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.47, XYF is doing good in the industry, outperforming 61.11% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.47
Quick Ratio 1.47
XYF Yearly Current Assets VS Current LiabilitesXYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. XYF Growth Analysis

3.1 Past

  • XYF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 49.34%, which is quite impressive.
  • Measured over the past years, XYF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.75% on average per year.
  • XYF shows a strong growth in Revenue. In the last year, the Revenue has grown by 47.15%.
  • The Revenue has been growing by 13.71% on average over the past years. This is quite good.
EPS 1Y (TTM)49.34%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%30.23%
Revenue 1Y (TTM)47.15%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%23.92%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
XYF Yearly Revenue VS EstimatesXYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
XYF Yearly EPS VS EstimatesXYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 0.5 1 1.5 2 2.5

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4

4. XYF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 0.76 indicates a rather cheap valuation of XYF.
  • Compared to the rest of the industry, the Price/Earnings ratio of XYF indicates a rather cheap valuation: XYF is cheaper than 100.00% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of XYF to the average of the S&P500 Index (25.79), we can say XYF is valued rather cheaply.
Industry RankSector Rank
PE 0.76
Fwd PE N/A
XYF Price Earnings VS Forward Price EarningsXYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of XYF indicates a rather cheap valuation: XYF is cheaper than 87.04% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.04
XYF Per share dataXYF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • XYF has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. XYF Dividend Analysis

5.1 Amount

  • XYF has a Yearly Dividend Yield of 8.52%, which is a nice return.
  • The stock price of XYF dropped by -24.69% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • XYF's Dividend Yield is rather good when compared to the industry average which is at 3.13. XYF pays more dividend than 88.89% of the companies in the same industry.
  • XYF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 8.52%

5.2 History

  • XYF has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
XYF Yearly Dividends per shareXYF Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
XYF Yearly Income VS Free CF VS DividendXYF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B 1.5B

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XYF Fundamentals: All Metrics, Ratios and Statistics

X FINANCIAL-ADR

NYSE:XYF (3/19/2026, 3:54:23 PM)

4.43

-0.39 (-8.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-21
Earnings (Next)03-19
Inst Owners9.7%
Inst Owner Change19.08%
Ins Owners3.4%
Ins Owner ChangeN/A
Market Cap186.99M
Revenue(TTM)7.88B
Net Income(TTM)1.79B
Analysts45
Price TargetN/A
Short Float %1.59%
Short Ratio0.87
Dividend
Industry RankSector Rank
Dividend Yield 8.52%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 0.76
Fwd PE N/A
P/S 0.16
P/FCF N/A
P/OCF N/A
P/B 0.16
P/tB 0.16
EV/EBITDA 1.04
EPS(TTM)5.85
EY132.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS27.11
BVpS27.27
TBVpS27.14
PEG (NY)N/A
PEG (5Y)0.05
Graham Number59.91
Profitability
Industry RankSector Rank
ROA 12.2%
ROE 22.61%
ROCE 38.78%
ROIC 29.77%
ROICexc 29.77%
ROICexgc 29.86%
OM 58.72%
PM (TTM) 22.75%
GM 75.21%
FCFM N/A
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
ROICexc(3y)18.79%
ROICexc(5y)N/A
ROICexgc(3y)18.94%
ROICexgc(5y)N/A
ROCE(3y)21.77%
ROCE(5y)N/A
ROICexgc growth 3Y18.75%
ROICexgc growth 5Y4.96%
ROICexc growth 3Y18.81%
ROICexc growth 5Y10.59%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
F-ScoreN/A
Asset Turnover0.54
Health
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF N/A
Debt/EBITDA 0.86
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.47
Quick Ratio 1.47
Altman-Z 2.33
F-ScoreN/A
WACC1.32%
ROIC/WACC22.55
Cap/Depr(3y)148.84%
Cap/Depr(5y)104.75%
Cap/Sales(3y)0.19%
Cap/Sales(5y)0.18%
Profit Quality(3y)68.29%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)49.34%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%30.23%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)47.15%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%23.92%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y72.58%
EBIT growth 3Y38.13%
EBIT growth 5Y33.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y87.3%
FCF growth 3Y50.06%
FCF growth 5Y20.85%
OCF growth 1Y87.07%
OCF growth 3Y50.23%
OCF growth 5Y20.46%

X FINANCIAL-ADR / XYF Fundamental Analysis FAQ

What is the ChartMill fundamental rating of X FINANCIAL-ADR (XYF) stock?

ChartMill assigns a fundamental rating of 6 / 10 to XYF.


Can you provide the valuation status for X FINANCIAL-ADR?

ChartMill assigns a valuation rating of 4 / 10 to X FINANCIAL-ADR (XYF). This can be considered as Fairly Valued.


Can you provide the profitability details for X FINANCIAL-ADR?

X FINANCIAL-ADR (XYF) has a profitability rating of 8 / 10.